Ujjivan Small Finance Bank 11.95% Apr 2028 NCD (INE551W08013)

CARE A+ · NSDL record, 2022 Unsecured NCD

Ujjivan Small Finance Bank Limited

Unsecured, Taxable, Redeemable NCD

Browse: bonds maturing in 2028

Current YTM

10.50%

Market YTM

Coupon Rate

11.95%

Per annum

Maturity Date

26 Apr 2028

1.5 Yrs to Maturity

Interest Payment

Monthly

Frequency

Face Value

₹1,00,000

Per Bond

Issuer events

Last 90 days · company disclosures to the exchanges and agency announcements. Not our assessment.

5 Oct 2026 Rating withdrawn CRISIL

Market Position

YTM (Annual)

10.50%

Last traded 4 Nov 2026 (end of day)

10Y G-Sec Benchmark

7.19%

Reference point, not this bond's tenor

Spread over G-Sec

+358 bps

vs 1.5Y G-Sec at 6.92%

Above the median spread for similar-tenor peers

Tenure

1.5 Years

Remaining to maturity

Price vs Yield

— Price (Clean) — Yield (YTM)

1 Jul 20264 Nov 2026

Showing last 10 trades.

Price data as a table: Recent Market Prices

Cashflow Timeline

26 Nov 2026

Interest Payment

₹995.83 / Bond

26 Dec 2026

Interest Payment

₹995.83 / Bond

26 Jan 2027

Interest Payment

₹995.83 / Bond

26 Feb 2027

Interest Payment

₹995.83 / Bond

26 Mar 2027

Interest Payment

₹995.83 / Bond

26 Apr 2027

Interest Payment

₹995.83 / Bond

26 May 2027

Interest Payment

₹995.83 / Bond

26 Jun 2027

Interest Payment

₹995.83 / Bond

…

+9 more coupons until 26 Mar 2028

₹995.83 each / Bond

26 Apr 2028

Final coupon + principal

₹1,00,995.83 / Bond

₹995.83 coupon + ₹1,00,000 face value

18 coupons remaining, the last paid with principal at maturity · per ₹1,00,000 face value · projected dates

Bond Timeline

— Issue / Maturity | Coupon (projected) ┊ Today

Key Metrics

Coupon Rate

11.95%

YTM (Annual)

10.50%

Credit Rating

A+

Rating on NSDL record (CARE, 2022)

Not a current agency rating; see below

Remaining Tenure

1.5 Years

A+ (CARE): Rating on NSDL record (CARE, 2022), dated 24 Aug 2022. The rating NSDL's debt master records for this instrument, often from the time of issue. No current rating from an agency or exchange is on file, so it may be out of date.

Advanced metrics

Modified Duration

—

Macaulay Duration

—

Issue Size

₹300 Cr

Face Value

₹1,00,000

Per bond. Exchange lot size not on file; check the offer document.

Market Characteristics

Modified Duration

—

Price sensitivity per 1% yield move

Payment Frequency

Monthly

Last Trade

4 Nov 2026

BSE

Trades (30 Days)

Exchange-reported sessions

Security Status

Unsecured

No call option

Observations

This bond is unsecured.
2 secondary-market trades recorded in the last 30 days.
Coupon is 1.75 percentage points above the median for tracked NCD bonds. (based on 20,403 tracked NCD bonds with a stated coupon)

Structured Overview

Data as of 16 Jul 2026

Issuer

Ujjivan Small Finance Bank Limited

Instrument Type

NCD

Issue Date

26 Aug 2022

Day Count Convention

—

Listed Exchange

Not listed

Call / Put Option

None disclosed

Ujjivan Small Finance Bank 11.95% Apr 2028 NCD is an unsecured NCD issued by Ujjivan Small Finance Bank Limited. It pays an 11.95% p.a. coupon, monthly. Principal is repaid at maturity.

Rating Action History

1 actions

Agency actions on Ujjivan Small Finance Bank Limited and its instruments, not only this bond. Rows marked “This bond” carry this ISIN or an exchange filing that names it.

Date	Agency	Action	Rating	Outlook	Rationale
2026-10-05	CRISIL	Withdrawal	—	—	View →

Issuer health card · ratings, payment record, defaults, trading, filings 1 item to look at →

Rating Actions on Ujjivan Small Finance Bank Limited

last 12 months

Agencies rate the issuer and its instruments together; an action may cover bank loans or other instruments rather than this bond. This bond marks actions that carry this ISIN or whose exchange filing names it.

Date	Agency	Action	Rating	Rationale
2026-10-05	CRISIL	Withdrawal	—	View →

Alert me about Ujjivan Small Finance Bank Limited An email when a rating agency acts on this issuer (including any cut to default grade D) or a payment is disclosed late or short. Free, no account needed.

Recent Market Prices

Recent BSE trades for INE551W08013: trade date, clean price, YTM and number of trades
Trade Date	Clean Price	YTM (%)	Trades
2026-11-04	102.6200	10.5000	1
2026-10-22	101.5000	11.4300	1
2026-09-18	103.9400	9.7000	1
2026-09-07	104.0100	9.7000	1
2026-09-02	103.4600	10.1000	1
2026-07-29	104.3600	9.6300	1
2026-07-23	104.5100	9.5500	1
2026-07-01	99.5000	12.9600	1

Data Coverage

Dataset	Records	Detail	Freshness
Credit Ratings	1	CARE (NSDL record)	2022-08-24
Rating Actions History	1	—	2026-10-05
Secondary-Market Trades	8	BSE	2026-11-04
Reg52(4) Payment Disclosures	0	—	—

No current rating from an agency or exchange on file; the rating shown is the one NSDL's debt master records, often from the time of issue.

Documents

CRISIL Rating Rationale (5 Oct 2026)

Entity metadata

Source: NSDL debt master
Last Updated: 16 Jul 2026

Risk warning: This page is for informational purposes only. Bond investments carry credit risk, interest rate risk, and liquidity risk. Credit ratings reflect agency opinion at a point in time. Nothing here constitutes investment advice or a recommendation. Verify all details against the issuer's offer document and the exchange. RetailBonds.in is not a SEBI-registered intermediary. See our full disclaimer.

₹1,02,620.00

YTM10.50%

Trade Date 4 Nov 2026 4d ago

SourceBSE

Calculate YTM for this bond

Frequently Asked Questions

What is the coupon rate on Ujjivan Small Finance Bank 11.95% Apr 2028 NCD?

Ujjivan Small Finance Bank 11.95% Apr 2028 NCD carries a coupon of 11.95%, paid monthly, on a face value of ₹1,00,000.

When does Ujjivan Small Finance Bank 11.95% Apr 2028 NCD mature?

Ujjivan Small Finance Bank 11.95% Apr 2028 NCD matures on 26 Apr 2028, 1.5 years from today.

What is Ujjivan Small Finance Bank 11.95% Apr 2028 NCD rated?

No current rating from an agency or exchange is on file for Ujjivan Small Finance Bank 11.95% Apr 2028 NCD. NSDL's debt master records a rating of A+ by CARE, dated 24 Aug 2022, often from the time of issue, so it may be out of date.

Is Ujjivan Small Finance Bank 11.95% Apr 2028 NCD secured?

Ujjivan Small Finance Bank 11.95% Apr 2028 NCD is unsecured; holders rank alongside other unsecured creditors in the event of default.

Where does Ujjivan Small Finance Bank 11.95% Apr 2028 NCD trade?

Ujjivan Small Finance Bank 11.95% Apr 2028 NCD is not listed on a stock exchange, so there is no exchange price for it.

What yield does Ujjivan Small Finance Bank 11.95% Apr 2028 NCD currently offer?

The last recorded trade on 4 Nov 2026 priced Ujjivan Small Finance Bank 11.95% Apr 2028 NCD at ₹1,02,620.00 per bond, implying a yield to maturity of 10.50%.

Comparable NCDs maturing near 2028

Active bonds from other issuers with maturity within 12 months of this one, listed first when they are in the same face-value band as this bond and traded in the last 30 days, then by closest coupon to 11.95%. For comparison only, not a recommendation.

Bond	Issuer	Rating	Coupon	Maturity
INE0MHC07633	Whizdm Finance Private Limited	A- NSDL record, 2025	11.94%	2027-10-28
INE00MX08086	Svatantra Microfin Limited	A+ NSDL record, 2022	11.90%	2028-06-15
INE1CRA07015	Kuhoo Finance Private Limited	—	11.90%	2028-08-12
INE1JJ007262	Refyne Finance Private Limited	—	11.90%	2028-02-24
INE08XP07282	Akara Capital Advisors Private Limited	BBB	12.00%	2028-08-14
INE559D08032	Crest Ventures Limited	BBB	12.00%	2027-06-23

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